ENHANCED PRODUCTIVITY WITH STREAMLINED SOLUTIONS FOR YOUR ANNUITY BUSINESS

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1 ENHANCED PRODUCTIVITY WITH STREAMLINED SOLUTIONS FOR YOUR ANNUITY BUSINESS

2 Subscribe streamlines how you process, service and maintain fixed and variable annuities, helping you enhance the overall experience of your clients and capture a greater share of this growing market. Subscribe enables you to conveniently consolidate existing annuity contracts in your clients brokerage accounts giving you a comprehensive view of their portfolios. Available through NetX360, our revolutionary technology platform, you can electronically submit annuity transactions and interface with many of the country s leading insurance companies. Take advantage of Subscribe s online solutions and benefit from: > Online order entry > Same-day settlement > Daily balance updates > Commission settlement 2 Subscribe

3 Business-Building Solutions Diverse product options and a variety of state regulations can make annuity transactions complex. In addition, annuity assets held outside of brokerage accounts can make it difficult to manage your clients overall finances. Subscribe s rules-driven system and the ability to consolidate annuity assets within your clients brokerage accounts solves both of these problems. The result is more in-good-order transactions and access to a complete picture of your clients investment portfolios. Consolidated account information is available to you and your clients through NetX360 and NetExchange Client, our online investor platform, as well as on monthly brokerage statements. With NetX360 you can access Subscribe with the click of a mouse, making it easy to: > Enter annuity transactions that are in good order > Access real-time order updates > View daily subaccount pricing and balance information > Generate a variety of annuity reports Take advantage of the broad array of features and benefits to help you grow your annuity business. YOUR business without limits 3

4 Automation and Customization at Your Fingertips The order entry functionality provides same-day settlement for annuity transactions in your clients brokerage accounts an enormous time advantage over check and application processing. Subscribe s order entry streamlines annuity applications with: > Easy access to product information. Check daily annuity pricing and balances at the subaccount level, browse transactional activity and access product information. > Customizable suitability questionnaires. Complete your firm s questionnaire online and store it with the order, automatically routing it to your principal or home office for approval. > Effective compliance tools. Help satisfy regulatory requirements through The Rules Engine TM. Annuity transactions are validated against business and compliance rules selected by your firm, and flagged to approvers during the review process. Your firm can also automate principal review prior to submission to the carrier for issue. > Feature rider selection. Select and set up all applicable product options, asset allocation programs including rebalancing and dollar cost averaging, death benefits, guaranteed options, telephone authorizations and waivers at the point of entry. > Commission payments. Expedite the payment of commissions from your firm through the Depository Trust and Clearing Corporation s (DTCC) Insurance & Retirement Services. You may also net commission dollars, holding back calculated commission dollars, which are deposited into your firm s commission settlement account for distribution to you, as quickly as the same day. 4 Subscribe

5 > Real-time order status. Track pending, transmitted, cancelled and issued transactions, including 1035 exchanges and qualified transfers through NetX360. > Smart forms wizard. Data from the order entry screen populates forms required by both the insurance company and your firm. Subscribe Features Subscribe has been re-engineered to provide enhanced functionality and further streamline annuity-driven business processes to help meet new requirements outlined by Financial Industry Regulatory Authority (FINRA ) Rule Features available through our annuity platform include: > New Annuity Purchases > Subsequent Purchases > 1035 Exchanges and Qualified Transfers > Document Imaging to Capture Required Annuity Forms with Customer Signatures* > Commission Processing for Annuity Positions and Life Insurance Contracts** > Linking of Existing Direct Annuity Positions and Life Insurance Contracts** > Daily Subaccount Pricing and Balances > Same-Day Settlement > Real-Time Order Status > Forms in e-document Suite TM * > Annuity Reporting Available Through Report Center and eanalytics* > Confirmation of Client Liquid Net Worth Suitability Requirements* > Smart Forms Wizard* > Customizable Suitability Questions* > Two Levels of Approval* > Intrusive Alerts > Online Audit Trail* > Commission Netting > The Rules Engine * * May help meet the requirements mandated by FINRA Rule ** Life insurance support is based on carrier capability. YOUR business without limits 5

6 Expand Your Possibilities Offer your clients a complete package of Pershing solutions to complement Subscribe: > Retirement planning. Subscribe complements your current investment and retirement planning products to deliver a comprehensive financial plan to your clients. Since retirement accounts can be used to consolidate qualified annuity positions, you can encourage your clients to consolidate additional assets under management. > Tax-lot and performance reporting. Monitor your clients annuity performance online and in quarterly performance reports. Portfolio Evaluation Service (PES ) provides complete tax-lot accounting and performance measurement, as well as other tools to help you manage client accounts. > Asset management. Strengthen your client relationships and manage more of your clients assets with Corestone Account TM. It combines unlimited check writing, online bill payment capabilities, daily cash sweep, direct deposit and more, with a complete portfolio snapshot in one comprehensive statement. > Comprehensive account summary. SelectLink allows you to household multiple brokerage accounts so your clients receive a consolidated statement package, including a summary page of householded account information at no additional cost. Consolidating your clients assets through Pershing provides both you and your clients access to the unparalleled resources of a financial solutions provider Pershing LLC. Pershing LLC, member FINRA, NYSE, SIPC, is a subsidiary of The Bank of New York Mellon Corporation. Trademark(s) belong to their respective owners. For professional use only. Not for distribution to the public. 6 Subscribe

7 Your Business Without Limits Visit today to learn more about how you can grow your business without limits.

8 About Us Pershing LLC (member FINRA, NYSE, SIPC) is a leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors who collectively represent approximately five million active investors. Financial organizations, investment professionals and independent registered investment advisors depend on Pershing s depth of experience and consultative approach to provide them with forward-thinking solutions that help them to grow their businesses. Located in 21 offices worldwide, Pershing and its affiliates are committed to delivering dependable operational support, robust trading services, flexible technology, an expansive array of investment solutions, practice management support and service excellence. Pershing is a member of every major U.S. securities exchange, and its international affiliates are members of the Deutsche Börse, the Irish Stock Exchange and the London Stock Exchange. Pershing LLC is a BNY Mellon company. Additional information is available at PSB-PER-SUB-10-11

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